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Why Compare Car Insurance Rates in Connecticut:

  • On average, people who compare rates save about $970 a year on car insurance
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There are 45,552 miles of road in Connecticut, only waiting to be driven. You can't fully regulate your safety on the road in Connecticut, which has over 2.6 million licensed drivers. Accidents do happen, which is why you need the best car insurance in Connecticut. Shopping around for cheap car insurance in Connecticut is necessary if you want to save money.

When it comes to auto insurance, Connecticut drivers have a range of options. Connecticut has over 1400 licensed insurance providers and ranks seventh in the United States in providing direct premiums. Finding cheap car insurance in Connecticut is not always easy, especially with so many best car insurance companies in CT.

With the best-customized auto insurance quotes in CT, we will assist you in getting affordable car insurance quotes.

Minimum Required Auto Insurance Coverage in Connecticut

Coverage Type Minimum Coverage Limit
Bodily Injury Liability Coverage (per person) $25,000 ($50,000 for injuries resulting in death)
Bodily Injury Liability Coverage (per accident) $50,000 ($100,000 for injuries resulting in death)
Property Damage Liability $15,000
Uninsured Motorist $25,000 bodily injury per person$50,000 bodily injury per accident

Cheapest Car Insurance in Connecticut for Minimum Required Coverage

State Farm is Connecticut's cheapest car insurance company for a minimum liability policy. State Farm's minimum car insurance rates are on average $1050 per year, which is 40% less than the statewide average.

Connecticut drivers should also seek a quotation from Travelers, a well-known provider. If you're eligible, USAA is a fantastic option, and it receives high reviews for customer service and is competitively priced with State Farm and Travelers.

The cheapest approach to meet Connecticut's statutory insurance requirements, including bodily injury liability, property damage liability, and uninsured/underinsured driver coverage, is to purchase a minimum liability auto insurance policy. On the other hand, higher liability coverage limits can assist you to avoid paying out of pocket for damage caused by an accident you cause if you can afford it.

Do I Need More Than the Minimum Required State Coverage in Connecticut?

Connecticut's minimum car insurance coverage is comparable to the rest of the country. However, that does not imply that it entirely protects you and your possessions, especially for your liability limits, which can soon be depleted.

Medical expenses can quickly deplete the $25,000 per person cap, particularly if you inflict catastrophic harm. The same is true with your uninsured motorist policy, which kicks in to cover your medical bills if the at-fault party cannot pay.

For these reasons, increasing your limitations is always a good idea. It normally only costs a few dollars and can go a long way toward keeping you and your assets safe.

Average Cost of Auto Insurance Companies in Connecticut

Drivers in Connecticut pay an average of $672 for the state's minimum insurance and $1,605 for full coverage. This is almost $100 less than the national average annual rate of auto insurance, $1738.

State Farm is Connecticut's cheapest full coverage auto insurance, with an average annual rate 44% lower than the state average. If you choose State Farm over the state's average insurer, you might save $967 a year on car insurance.

In addition to state-mandated auto insurance coverage, full-coverage policies offer collision and comprehensive coverage, which pay for repairs to your car regardless of fault. Although comprehensive and collision insurance raises premiums dramatically, they may be worthwhile if your car is worth more than a few thousand dollars.

See what you could save on auto insurance

Cheapest Car Insurance Quotes For Connecticut Drivers

Always compare auto insurance quotes from at least three companies to discover the best rates. Contact Way.com to begin searching among the top providers in your area, or continue reading to find which businesses have the lowest premiums in your area.

Connecticut consumers should compare as many insurers as possible while seeking the cheapest car insurance.

Cheap car insurance in Connecticut for young Connecticut drivers

The General offers the best rates for young drivers looking for the cheapest auto insurance in Connecticut, with premiums as low as $2,568 per year for minimum liability and $3726 for full coverage.

In Connecticut, the average cost of minimal auto insurance for 18-year-old drivers is $4242 per year ($353 per month). That's $3198 more per year than an older driver would pay for the same level of coverage. Younger drivers are far more prone than older drivers to submit claims. Thus their insurance rates are normally higher until they get more driving experience.

COMPANY 18-YEAR-OLD FEMALE 18-YEAR-OLD MALE
Allstate $7,986 $9,411
Amica Mutual $6,357 $6,91
The General $2,568 $2,975
Nationwide $5,114 $6,657
Progressive $7,021 $7,766
State Farm $3,440 $4,285
Travelers $3,043 $3,751
USAA $3,308 $3,467
Statewide Average $4,855 $5,653

Cheap car insurance for Connecticut drivers with a speeding ticket

We discovered that The General has very low rates for Connecticut drivers who have received a speeding ticket, with an annual cost of $896. This is 47% lower than the average premium we discovered across all insurers.

A speeding violation in Connecticut increased insurance costs by 15% on average.

COMPANY AVERAGE ANNUAL RATE
The General $896
USAA $1,195
Statewide Average $1,783
State Farm $1,380
Nationwide $1,521
Progressive $1,568
Travelers $1,588
Amica Mutual $1,961
Allstate $2,287
MetLife $2,827

Cheap auto insurance for Connecticut drivers after a car accident

According to our analysis, The General had the best car insurance rates for drivers who had been in an accident in Connecticut. The General's average annual premium for a full-coverage policy with an at-fault accident on a driver's record is $1083 per year.

If you are involved in an accident, you should search around for car insurance to ensure you are getting the best deal available. Because insurers assess issues like car accidents differently, the cheapest insurance company for you may alter after a collision.

COMPANY AVERAGE ANNUAL RATE
The General $1,083
State Farm $1,380
USAA $1,429
Statewide Average $1,545
Travelers $1,652
Amica Mutual $2,015
Progressive $2,144
Nationwide $2,459
Allstate $3,461
MetLife $4,601

Cheap car insurance quotes for Connecticut drivers with a DUI

We discovered that Travelers is the most cost-effective alternative for Connecticut DUI drivers. The cheapest annual fee for the company is $1380 per year. A DUI is a serious offense that can result in significant increases in your car insurance rates – in Connecticut, a single DUI can more than double your rates.

COMPANY AVERAGE ANNUAL RATE
State Farm $1,380
Progressive $1,451
Travelers $1,801
Statewide Average $1,544
USAA $2,111
The General $2,700
Nationwide $3,027
Allstate $3,268
Amica Mutual $4,925
MetLife $5,259

Cheap car insurance for married Connecticut drivers

For married drivers, State Farm has the best prices. From State Farm, we discovered a typical rate of $1217 per year for a married driver. Because married people make fewer car insurance claims, car insurance companies in Connecticut offer married drivers 4% lower premiums on average. By purchasing a joint car insurance coverage with their spouse, married drivers may save even more money.

Company Annual Premium
State Farm $1,217
Travelers $1,265
Nationwide $1,961
The General $2,189
Progressive $2,621
Allstate $2,825
Amica $3,473

Cheap full coverage car insurance quotes for young drivers with an accident history

We urge that young driver who has recently been in an accident look into State Farm. It offered minimum-coverage insurance for $183 per month, which was less than average. That's less than half of what most insurers used to charge.

Young drivers with a high car insurance bill can typically save money by taking a defensive driving course, obtaining good grades, or sharing their insurance coverage with their parents.

Company Annual rate
State Farm $2204
THE GENERAL $3798
Nationwide $5226
Allstate $5277
Amica $5505

Compare car insurance rates in top Cities

The area in which you live might significantly impact the insurance prices you pay. The cost of full-coverage insurance varies depending on where you live. Road conditions and auto theft in a specific location can result in more claims, leading to higher rates.

CityAnnual Premium
Abington$2,021
Amston$1,973
Andover$1,973
Ansonia$2,453
Ashford$1,985
Avon$1,997
Ballouville$2,045
Baltic$1,973
Bantam$2,093
Barkhamsted$2,093
Beacon Falls$2,321
Berlin$2,045
Bethany$2,465
Bethel$2,153
Bethlehem$2,177
Bethlehem Village$2,177
Bloomfield$2,453
Blue Hills$2,453
Bolton$1,937
Botsford$2,393
Bozrah$1,889
Branford$2,489
Branford Center$2,381
Bridgeport$3,029
Bridgewater$2,117
Bristol$2,177
Broad Brook$2,045
Brookfield$2,225
Brooklyn$1,973
Burlington$2,021
Byram$2,189
Canaan$2,069
Canterbury$1,913
Canton$1,997
Canton Center$2,045
Canton Valley$1,997
Centerbrook$1,925
Central Village$1,913
Chaplin$1,985
Cheshire$2,201
Cheshire Village$2,201
Chester$1,949
Chester Center$1,949
Clinton$1,973
Cobalt$2,021
Colchester$1,973
Colebrook$2,069
Collinsville$1,997
Columbia$1,973
Conning Towers Nautilus Park$1,901
Cornwall Bridge$2,033
Cos Cob$2,189
Coventry$1,985
Coventry Lake$1,985
Cromwell$2,117
Crystal Lake$1,973
Danbury$2,225
Danielson$1,973
Darien$2,129
Dayville$1,973
Deep River$1,937
Deep River Center$1,937
Derby$2,453
Durham$1,973
East Berlin$2,081
East Brooklyn$1,973
East Canaan$2,069
East Glastonbury$2,273
East Granby$1,985
East Haddam$1,925
East Hampton$2,057
East Hartford$2,477
East Hartland$2,021
East Haven$2,765
East Killingly$2,045
East Lyme$1,901
East Windsor$2,045
East Windsor Hill$2,129
East Woodstock$2,045
Eastford$1,973
Easton$2,249
Ellington$1,973
Enfield$2,057
Essex Village$1,925
Fabyan$2,045
Fairfield$2,273
Falls Village$2,105
Farmington$2,033
Gales Ferry$1,949
Gaylordsville$2,201
Georgetown$2,225
Gilman$1,961
Glastonbury$2,105
Glastonbury Center$2,105
Glenville$2,189
Goshen$2,093
Granby$1,949
Greens Farms$2,273
Greenwich$2,189
Grosvenor Dale$2,021
Groton$1,901
Groton Long Point$1,901
Guilford$2,201
Guilford Center$2,201
Haddam$2,021
Hadlyme$1,973
Hamden$2,765
Hampton$1,973
Hanover$1,937
Hartford$3,065
Harwinton$2,069
Hawleyville$2,393
Hazardville$2,057
Hebron$1,973
Heritage Village$2,177
Higganum$2,021
Ivoryton$1,925
Jewett City$2,045
Kensington$2,045
Kent$2,153
Killingworth$1,973
Lake Pocotopaug$2,057
Lakeside$2,165
Lakeville$2,069
Lebanon$1,937
Ledyard$1,949
Litchfield$2,093
Long Hill$1,901
Madison$2,057
Madison Center$2,057
Manchester$2,129
Mansfield Center$1,985
Mansfield Depot$2,033
Marion$2,105
Marlborough$2,009
Mashantucket$1,961
Meriden$2,285
Middle Haddam$2,105
Middlebury$2,417
Middlefield$2,093
Middletown$2,165
Milford$2,501
Milldale$2,465
Monroe$2,297
Montville$1,961
Moodus$1,925
Moosup$1,913
Morris$2,189
Mystic$1,925
Naugatuck$2,453
New Britain$2,405
New Canaan$2,141
New Fairfield$2,153
New Hartford$2,057
New Hartford Center$2,057
New Haven$3,065
New London$2,033
New Milford$2,225
New Preston$2,153
New Preston Marble Dale$2,177
Newington$2,117
Newtown$2,165
Niantic$1,901
Noank$1,901
Norfolk$2,081
North Branford$2,357
North Canton$2,033
North Franklin$1,937
North Granby$1,949
North Grosvenor Dale$1,985
North Haven$2,489
North Stonington$1,937
North Westchester$1,961
North Windham$1,913
Northfield$2,093
Northford$2,465
Northwest Harwinton$2,069
Norwalk$2,177
Norwich$2,081
Oakdale$1,961
Oakville$2,441
Old Greenwich$2,189
Old Lyme$1,937
Old Mystic$1,901
Old Saybrook$1,925
Old Saybrook Center$1,925
Oneco$2,045
Orange$2,465
Oxford$2,237
Oxoboxo River$1,961
Pawcatuck$1,949
Pemberwick$2,189
Pequabuck$2,153
Pine Meadow$2,105
Plainfield$1,913
Plainfield Village$1,913
Plainville$2,069
Plantsville$2,105
Plymouth$2,201
Pomfret Center$2,057
Poquonock$2,249
Poquonock Bridge$1,901
Portland$2,129
Preston$1,973
Prospect$2,369
Putnam$1,997
Quaker Hill$1,961
Quinebaug$2,021
Redding$2,165
Redding Center$2,225
Redding Ridge$2,237
Ridgefield$2,189
Riverside$2,189
Riverton$2,117
Rockfall$2,129
Rockville$2,033
Rocky Hill$2,117
Rogers$2,033
Roxbury$2,249
Salem$1,913
Salisbury$2,069
Salmon Brook$1,949
Sandy Hook$2,165
Saybrook Manor$1,925
Scotland$1,925
Seymour$2,441
Sharon$2,105
Shelton$2,345
Sherman$2,225
Sherwood Manor$2,057
Simsbury$2,021
Simsbury Center$2,021
Somers$1,973
Somersville$2,045
South Britain$2,429
South Coventry$1,985
South Glastonbury$2,105
South Kent$2,153
South Lyme$1,961
South Willington$2,045
South Windham$1,949
South Windsor$2,057
South Woodstock$1,997
Southbury$2,177
Southington$2,105
Southport$2,213
Southwood Acres$2,057
Stafford Springs$1,913
Staffordville$2,069
Stamford$2,393
Sterling$1,997
Stevenson$2,345
Stonington$1,949
Storrs$1,985
Storrs Mansfield$1,985
Stratford$2,429
Suffield$1,961
Taconic$2,141
Taftville$2,021
Tariffville$2,021
Terramuggus$2,009
Terryville$2,201
Thomaston$2,177
Thompson$1,985
Thompsonville$2,057
Tolland$1,961
Torrington$2,141
Trumbull$2,333
Uncasville$1,961
Unionville$2,033
Vernon Rockville$2,033
Versailles$1,961
Voluntown$1,949
Wallingford$2,309
Wallingford Center$2,165
Washington$2,153
Washington Depot$2,153
Waterbury$2,849
Waterford$1,961
Watertown$2,441
Wauregan$1,913
Weatogue$2,021
West Cornwall$2,141
West Granby$1,949
West Hartford$2,201
West Hartland$1,997
West Haven$2,765
West Mystic$2,021
West Simsbury$2,021
West Suffield$1,961
Westbrook$1,961
Westbrook Center$1,961
Weston$2,237
Westport$2,177
Wethersfield$2,165
Willimantic$1,901
Willington$1,973
Wilton$2,213
Wilton Center$2,213
Winchester Center$2,141
Windham$1,901
Windsor$2,273
Windsor Locks$2,069
Winsted$2,093
Wolcott$2,297
Woodbridge$2,525
Woodbury$2,177
Woodbury Center$2,177
Woodmont$2,501
Woodstock$1,997
Woodstock Valley$2,045
Yantic$1,937

Cheapest Car Insurance Rates For Seniors

Company Annually Monthly
USAA $435 $45
The General $480 $49
Amica Mutual $718 $69
State Farm $757 $62
Travelers $827 $68

Cheap auto insurance in Connecticut with bad credit

Company Avg. Annual Premium
USAA $2,007
Nationwide $2,321
The General $2,412
Amica Mutual $2,797
Progressive $3,029
State Farm $3,152
Allstate $4,226

Connecticut auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,973 0% $10
One Med/PIP claim $1,975 0% $12
Not-at-fault accident $2,047 4% $84
Two Med/PIP claims $2,048 4% $85
One comp claim $2,098 6% $135
Driving without lights $2,245 14% $282
Two comp claims $2,256 15% $283
Failure to wear a seat belt $2,273 17% $301
Child safety restraint $2,296 18% $323
Failure to show documents $2,300 19% $337
Driving with expired registration $2,322 20% $359
Speeding 6 - 10 MPH over limit $2,343 21% $381
Speeding 16 - 20 MPH over limit $2,352 21% $389
Speeding 11 - 15 MPH over limit $2,352 21% $389
Cell phone violation $2,361 22% $398
Texting while driving $2,361 22% $398
Driving too slowly $2,373 22% $410
Illegal turn $2,375 22% $412
Failure to stop at a red light $2,375 22% $412
Failure to yield $2,375 22% $412
Following too closely $2,375 22% $412
Speeding in school zone $2,382 23% $419
Wrong way/wrong lane $2,383 23% $420
Improper passing $2,383 23% $420
At-fault accident - less than $1000 $2,395 23% $432
Speeding 21 - 25 MPH over limit $2,403 24% $441
In 65 MPH zone $2,470 27% $507
Operating a vehicle without permission $2,554 32% $591
Passing school bus $2,613 37% $650
Open container $2,657 37% $694
At-fault accident - greater than $2000 $3,058 57% $1,095
At-fault accident - $1000-$2000 $3,064 58% $1,101
Racing $4,107 111% $2,144
Reckless driving $4,163 114% $2,200
Driving with a suspended license $4,221 117% $2,258
Refusal to submit to a chemical test $4,224 117% $2,261
DUI $4,293 120% $2,330
Leaving scene of an accident/hit and run $4,376 121% $2,413

Car insurance price trends in Connecticut

Year Avg. Annual Premium — Connecticut Yearly Change — Connecticut Avg. Annual Premium — US Yearly Change — US
2021 $1,561 $19 $1,539 $56
2020 $1,552 -$140 $1,493 -$51
2019 $1,702 $113 $1,554 $33
2018 $1,599 $88 $1,531 $94
2017 $1,521 $278 $1,447 $79
2016 $1,233 -$351 $1,378 $78
2015 $1,594 -$11 $1,290 $41
2014 $1,615 -$23 $1,239 $24
2013 $1,648 -$345 $1,205 -$70
2012 $2,003 $237 $1,286 $83

See what you could save on auto insurance

How to find the best car insurance in Connecticut

When looking for the perfect auto insurance agent, bear the following in mind:

Assess the requirements: Each car insurance quote is personalized to the unique needs of each driver. Keep in mind that your rate can fluctuate based on factors such as your age, driving record, and credit history. To make you safer on the road, insurance providers can consider where you live, the car you drive, and any exceptional safety features your car might have.

Consider state variables: Connecticut regulations prescribe the minimum insurance requirement that you must provide to operate a car in the state legally. This includes bodily injury liability of $20000 per person per accident, bodily injury liability of $50000 for all individuals per accident, and property damage liability of $25000 per accident. Uninsured/underinsured motorist coverage of $25000/$50000 is also needed.

Reasons Why Auto Insurance Costs More in Connecticut

To figure out why auto insurance in Connecticut is so expensive, you must first understand what factors influence the cost.

  • Affluent people make up a considerable share of Connecticut's population. This means that many people can afford and buy relatively expensive cars. Connecticut's overall cost of living and income levels are greater than many other states. As a result, car insurance premiums will rise as well.
  • While a more expensive car will usually result in a higher premium, Connecticut's average car insurance premiums have risen due to the continued purchase of more expensive cars.

Things to Know About Car Insurance When Moving to Connecticut

Remember that your liability insurance does not cover your injuries or property damage. It only ever pays for injuries caused by your fault in an accident.

The utmost amount that an insurer will pay to cover a claim is known as the insurance limit. Each state sets its coverage restrictions, which can usually be raised for an additional fee. These restrictions are usually divided into three groups.

The minimum in Connecticut is 25/50/25, which reflects bodily injury per person, bodily injury per accident, and property damage, which we'll go over in more detail below.

The following are your liability insurance limits:

  • The full coverage available for any person you hurt in a car accident is known as your per-person limit. If more than one person is injured in your accident, the total sum paid for all injuries is shown below in the "per accident" limit.
  • The per-accident limit is the maximum amount your insurance company will pay for any physical injuries you cause in a single accident.
  • The property damage limit is the total amount of coverage for physical damage to another person's property caused by you in an at-fault car accident.

How to Get Discounts on Car Insurance in Connecticut

Connecticut citizens are eligible for auto insurance savings 33% of the time, the highest rate of any state in the US!

Car insurance is costly, particularly if you live in Connecticut. Did you know Connecticut has the nation's 12th most costly auto insurance? The average Connecticut resident pays $1707 for car insurance per year, over $800 more than the national average. There are, however, several unusual and practical strategies to reduce the amount of money you spend on auto insurance.

Discounts are one of the most effective ways to save money on car insurance. Insurance discounts are divided into three categories: driver, car, and policy discounts.

Drivers are given discounts based on their driving history, student status, membership in professional groups, age, and how and when they use their cars. Academic achievement, auto clubs, and low-risk vocations are all instances of driver discounts.

Car discounts are a way for insurance companies to thank you for having features on your car that minimize their risk by lowering your premium. Hybrid cars, safety equipment, and anti-theft protection mechanisms are examples of these features.

Multiple vehicles, car insurance discounts, and bundling discounts are all available. Because these features simplify the writing process, insurance firms are more likely to offer you a discount. So, if you want to save money on auto insurance in Connecticut, make sure to ask your insurance agent about these options.

Connecticut Car Insurance Laws

Almost all states require drivers to have auto insurance. Drivers in Connecticut must have liability insurance and uninsured and underinsured motorist coverage. All drivers must also have evidence of insurance, which must be presented to law enforcement personnel upon request.

Your lender or leasing business may require you to carry physical damage coverage to safeguard their investment in the car if you loan or lease it.

Connecticut Auto Insurance Requirements

All drivers in Connecticut are required to have liability auto insurance. Liability pays for lost wages or injuries caused by another motorist or their passengers if you cause an accident. This is referred to as bodily injury (BI) insurance. Furthermore, property damage to the other driver's car is covered by liability (PD).

Connecticut PIP Requirements

In Connecticut, personal injury protection (PIP) is not needed. In Connecticut, PIP isn't even available. Instead of PIP insurance, Connecticut insurers offer medical payments insurance (often known as MedPay), which covers hospital expenditures incurred due to a car accident.

MedPay and PIP insurance are similar in that they both cover your medical expenditures even if you cause a car accident. MedPay, on the other hand, is less comprehensive than personal injury protection, with no provisions for lost pay or assistance with household chores that you are unable to perform owing to your injury.

In no-fault states, personal injury protection is a type of car insurance that covers medical expenses regardless of who caused the collision. Connecticut is an at-fault state, which means that following a collision, at least one driver is deemed to be "at blame."

The average cost of insurance in Connecticut – $1,842 – is relatively high compared to most PIP states and other non-PIP states, owing to variances in car insurance rules.

Auto Insurance Coverage Types

Auto insurance is one of the most often purchased types of personal insurance in Connecticut, and it is necessary to drive lawfully.

There are two forms of car insurance:

Liability auto insurance:

Bodily injury responsibility protects you from claims made by those who have been injured due to an accident in which you were at fault.

Medical expenditures, lost pay, and pain and suffering are possible claims.

Property damage liability insurance covers harm to other people's property that you cause. Damages to cars and other property, such as walls, fences, and equipment, are included.

Property Damage:

Collision coverage covers the cost of physical damage to your car due to a collision with another object. Although a lender or leasing firm may request this insurance, this insurance is not needed by law.

Comprehensive coverage covers damage to your car caused by practically any other event, such as fire, extreme weather, vandalism, floods, and theft. It is not a legal requirement.

Proof of Auto Insurance in Connecticut

In Connecticut, driving without insurance costs $100 to $1,000 and a license suspension of one month for the first conviction and six months for any subsequent convictions.

Additional fees and penalties:

  • The cost of restoring your license and registration is $175.
  • Drivers who cancel their insurance will be charged a $200 reinstatement cost.
  • A $50 fee is imposed for not having proof of insurance ID cards.

Carrying the proper amount of auto insurance in Connecticut is necessary if you want to stay on the right side of the law. It will not only keep you legal, but it will also keep you and your possessions safe.

Don't be concerned about the cost of all of this additional coverage. Way.com can assist you in obtaining insurance quotes from a variety of leading insurers, allowing you to compare policies and select the best plan at the greatest price.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

How much is car insurance in CT per month?

On average, car insurance in Connecticut costs $114 per month or $1363 per year. This is higher than the average cost of auto insurance in other states.

Who has the cheapest car insurance in CT?

Travelers offer the most affordable minimum-coverage policies ($634 a year), while State Farm offers the most affordable full-coverage policies ($1638).

How much does car insurance cost in Connecticut?

Connecticut's average annual auto insurance premium is $1771.

Is car insurance expensive in Connecticut?

Connecticut has a high cost of auto insurance. Connecticut's average annual auto insurance rate is $1544 — 8.2 percent higher than the national average.

Why is car insurance so expensive in Connecticut?

Each state regulates both forms of insurance. In auto insurance, though, insurers need to alert the Connecticut Department of Insurance that premiums are going up.

Can you register a car without insurance in CT?

In Connecticut, you can't register a vehicle without getting insurance. At the time of registration, proof of insurance is needed. In Connecticut, you have 60 days from the date of purchase to register a vehicle, but you can't drive it without insurance.

Does CT require car insurance?

Connecticut drivers must have the following minimum coverages and restrictions on their auto insurance: Liability for bodily injury is $25000 per person and $50000 per accident. Liability for Property Damage: $25000 per accident. Uninsured/underinsured motorist: $25000 per person and $50000 per accident for uninsured/underinsured motorists.

What happens if you drive without insurance in CT?

You could face a fine of $100 to $1000 if you're caught driving without insurance in Connecticut. Not only that, but if you own the uninsured vehicle, you may be charged with a Class C misdemeanor, which carries a fine of up to $500, a three-month jail sentence, or both.

What is the minimum car insurance required in CT?

The legislation mandates a minimum of $25000 per person and $50000 per accident for bodily injury liability and $25000 for property damage liability, but drivers are strongly encouraged to consider higher limits. The legislation mandates a minimum of $25000 per person and $5000 per injury.

Is there root insurance in CT?

Root provides healthy drivers in Connecticut with reliable, high-quality auto insurance. We make it easy for good drivers to save from Stamford to New Haven, Norwalk to Hamden. Take the test drive and see if you can save hundreds of dollars by driving well.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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